Do I need Insurance for my Christmas Gifts?

November 27, 2018

jewelry insurance

  They are going to be so excited about the expensive gifts when they open them, don’t forget to protect them in case something happens! Things do happen. Not always on purpose, but things do happen.  What if you lost one of the new diamond earrings your husband bought you? What if your new computer was stolen out of your car?   Things you should know about insuring gifts. Contact your insurance agent to learn what is covered under your current policy and what might need to be added to the policy. If the gift is given to someone you live with, the simplest way to insure it may be by adding to your homeowners or renters coverage in your policy. Standard policies cover belongings which are damaged or stolen, but valuables such as furs, art and jewelry, are typically limited. This is called a “scheduled” rider, floater or endorsement to your policy. You will need the bill of sale or certified appraisal to cover the gift.  Ask if your new gift will gain value. Art and heirlooms that appreciate in value would be best under special coverage or rider on your policy. You will need an appraisal every...

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Do I need RV or Motorhome Insurance?

May 18, 2018

RV Motorhome Insurance

It’s more than your car! It’s your summer home! Finding the right insurance coverage for a RV or Motorhome can be difficult. Look at what you have inside your motorhome and how much it is worth to you. If your RV is a motorhome (class A or B), you may be required to have insurance beyond your homeowners policy. Ask your agent at Anderson-Watkins Insurance to see what you are required to have per State Laws. Most motorhome insurance will offer many of the same things as your auto insurance for coverage as well as the extras you may need for the valuables you store inside.  So what is covered? Let’s explore. Basic Insurance Coverage terminology Bodily Injury Liability – If someone is injured from an accident you caused with your motorhome, this coverage will help cover medical expenses, loss of income, pain and suffering. Property Damage Liability – Helps pay for damages to another person’s auto or property if you cause an accident. Collision – If you are in an accident, regardless of who is at fault, collision will pay for the damage to your motorhome. Comprehensive – This helps pay for non-collision damage such as vandalism, theft,...

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Fall Home Maintenance Checklist

September 25, 2017

Home maintenance checklist

  Fall is the best time to take care of your Fall home maintenance before the colder temperatures arrive. The small things can make a big difference, but they are also hard to remember. From looking over the exterior of your home to the Fall maintenance of your heating system, these things will help reduce future headaches and money. Here is a quick Fall Home Maintenance checklist that takes you from the top to the bottom of your home. Outside Fall Maintenance     Roof  Inspect for wear and tear. If shingles are lifting up, crackling or broken, replace them.  If any moss is growing on the shingles, clean it off. Make sure they are not broken down under the moss. Check flashing around chimneys and pipes. Look for any areas that may leak.  Trim all hanging branches from trees to prevent potential dropping on the roof. Gutters Clean gutters and downspouts as leaves pile up. Look for any wood rot and repair. Inspect all drainage areas to make sure things are clear and not pooling. Windows and Doors Inspect trim for any holes that may need to be caulked. Replace screens with storm windows.  Check all seals for...

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“Back to School” Student Insurance Tips for Parents

September 5, 2017

Student Insurance for Cars and Personal Property

Fall is an exciting time of year for many parents and students eager to head off to college. Is your family member covered for student insurance for their car or personal property while they are away? Moving away from home for the first time can be stressful for both parents and children. It’s one thing to know that your kids are safe and sound when they were living in your house, in a town or city with which you are probably very familiar. It’s another thing altogether when your teen moves to a different state or part of the country. While some concern is natural, there are some things that parents can do to help relieve some of that stress. One important step is to make sure that they have the right type and amount of insurance protection for their college bound children. By making a few quick calls and asking your insurance agent some basic questions about coverage, parents can rest a little easier knowing that there will be no surprises down the road. Q -Is my college student’s personal property covered under my insurance? A – Most homeowner’s policies will cover the personal property of children living...

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How to Survive Graduation Day

June 9, 2016

It’s an exciting day for students and families seeing your son or daughter on the stage, all dressed up and smiling from ear to ear. So many dreams are being made. So many plans for the future are being discussed. So how do you make it easier emotionally and physically? Here are 8 tips on Surviving Graduation day: Arrive early to the venue. Your child will most likely have to be there at a certain time, but you should arrive at least an hour early to secure good seats to view where your child is sitting on stage. Eat and drink plenty before you go. Some graduations will take an hour and a half and others can go as long as 4 hours. The later being colleges, but some high school graduations could be 2 plus hours depending on the number of students. Bring tissues. It’s a happy day, but you don’t know what your emotions will be like on that day. So proud and excited for them, but the memories of when they were younger will pop into your mind. Bring your camera and phone. You don’t want to risk missing this exciting time. I left my phone...

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8 tips to stay alert while driving

January 21, 2016

Squirrel! Driving down the road we often look around to see what’s going on. Sometimes we see animals, sometimes we see pretty houses but most of the time we really don’t take in what we see. Driving is a habit and something we do almost every day. We don’t have to really think about it unless we are learning how to drive and have to pass a test. So what happens when you do see something? Like a squirrel? It’s like we get a slap in the face and it wakes us up. We have a quick response to either jump – if it’s running out in front of us – or we quickly look at it as it scampers on the side of the road trying not to get hit.  Whatever our reaction is, we do something. This something becomes the distraction to our driving or train of thought. We have so many distractions while we drive now. How can we help ourselves to really pay attention to our driving? Here are 8 tips to stay alert while driving When we get into the car, make all adjustments to seats, mirrors, GPS and climate controls so you are...

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5 Easy Steps and Apps to create a Home Inventory

January 15, 2016

It’s hard to remember every little thing you own in your home. Things are given to you or your buy them, then you put them aside for when you may need them. What would you do if you had a fire in your home and everything was destroyed? Having a home inventory will help you remember everything you have lost, will help with any insurance claims you may file and help verify losses for your income tax return. To start a home inventory: 1. Decide what will make it easier for you to remember, e.g. photos, lists, sales receipts, etc. There are many ways to record the inventory too, e.g. photos with written descriptions, video recorded on a thumb drive or files created with both photos and video saved onto the cloud. 2. Start with one room. Take a picture or video of the room. Make sure you open all cabinets and drawers so you capture everything in the picture. 3. List all items in the picture or describing what they are, including the make and model and where/when you purchased them. 4. If you have sales receipts, put them with this page. You will also need to know...

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5 Tips To Stay Safe During The Holidays

December 23, 2015

Having a fun and safe Holiday season may be the last thing on your mind, but it’s what everyone wants. Here are some quick things to keep in mind during this festive Holiday season: Tree Safety. Choose the right tree for looks but also quality. Make sure your tree is freshly cut so it will last longer, but also not dry out. Look for needles that do not fall off the branches or break. Live trees need to be watered every day. Christmas tree fires are not common, but when they do, they tend to be more serious. Most are caused by electrical problems. Keep away from electrical outlets and any heat source. Home Safety. When people are entertaining, more cooking is taking place and more distractions are too. Unattended cooking is one of the leading causes of fires in the home, according to the National Fire Protection Association. People often use their fireplaces to create a nice setting for their guests. Be sure your home is safe from any embers and clear anything dry (boughs, decorations) from the fireplace area to prevent any unattended fires from starting. Holiday Travel Safety. Before the rush of the Holiday season, have your...

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How To Approach A Cyber Attack

September 14, 2015

No one is safe from a cyber-attack. It doesn’t matter the size of your business or personal accounts. Data breaches are happening every day. Hackers get into point-of-sale devices and servers that contain vital records and credit card information. This information is then sent to a remote server so the data is available. Cyber-attacks are becoming more and more common. So what can I do about a cyber-attack? Businesses: Focus on prevention and risk management. Know what information you have and where you have it. Know who has access to this information. Don’t keep information longer than you need to. Don’t rely on just the IT department. Everyone has a role in recognizing potential risks. Have a plan of protection in place. Update and test security programs. Audit your business. Have a plan of recovery in place. All employees play a role. They should know what they need to do. Have this plan spelled out and printed out. If a breach occurs, take these steps: Stop the attack by making servers and computers unusable (pull the plug) Change passwords Identify the technical malicious access Correct the technical access with new software and security Report the breach to your State’s...

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Your Dog and Neighbors: Preventing Biting

What happens if your dog bites your neighbor? Our dogs are our pets. No, not pets – family members. They keep us company, they entertain us, and they protect us. So, what are our neighbors? Most people consider their neighbors to be friends or at least cordial acquaintances. When something happens between neighbors, things can be strained. You want to repair this relationship as fast as you can or it will be uncomfortable living near each other. So what happens when your dog bites your neighbor? The obvious thing is to first get your dog under control and away from your neighbor. Then make sure your neighbor is OK. But wait, it’s usually so much more than that! We are talking about the liability of owning a dog. It is up to you to have proper control of your dog in any situation. When indoors, your dog should never be in front of you when answering the door. You should also pay attention to how your dog is behaving when someone does come to the door. Is he wagging his tail? Is he excited to see the person? Is he protecting you and acting aggressively? If he is wagging...

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